AVC Investments

Charges - Important
Charges will be deducted from both your premium and accumulating fund. These will depend on your age and the size of your premium. Although it is impossible to predict the % of your fund that will have been paid in charges, they will be proportional and will not undermine the overall value of the product. Particular allocation rates and charges are printed clearly on each policy document and discussed with each client prior to application. This needs to be placed in the context of tax relief and investment growth in the fund, please see chart below.
Investment Charges
Assumes average size contribution of €250 pm, tax @ 41%,
Growth on fund 6% p.a. Profits will be proportionally less for 20% taxpayers
.

With an IPF AVC you also get:
FREE €10,000 + 1 years annual premium life cover
FREE Annual Reviews
FREE One to One Consultations
Also …
The minimum of full value of premiums paid will be returned in the event of ill health retirement or leaving employment within 2 years of joining service.

We have a number of charging structures available and our consultant will be happy to discuss those with you.

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Owen Dwyer and David Dunleavy T/A Irish Pensions & Finance / Personal & Corporate PFS are regulated by the Financial Regulator.